Jay Howald began his career in finance and lending in 2005, working with a consumer finance company where he helped everyday clients save money and reach their financial goals. He later transitioned to retail banking, supporting local community members and small business owners with their mortgage and banking needs.

With more than 15 years of lending experience, Jay has worked with a wide range of clients, guiding them toward solutions that align with their financial situations and long-term goals. He is known for analyzing each client’s financial picture and clearly explaining loan options, helping them select the home loan program that best fits their needs.

Jay’s client-first approach has earned him a strong reputation in the community and a wide network of satisfied clients. What he enjoys most is creating a positive lending experience and empowering clients through education, so they feel confident in every financial decision they make.